Sarah Chen

Personal Finance Editor

Sarah covers personal finance, investing, and wealth-building strategies. She spent six years as a financial analyst before turning to writing.

5 articles

Articles by Sarah Chen

💰 Finance

How Much Should I Have Saved by Age 40? The Honest 2026 Breakdown

Wondering if your savings are on track at 40? Here's exactly what the numbers say — and what to do if you're behind.

Mar 30, 2026·7 min read

💰 Finance

How to Improve Your Credit Score Fast: A Step-by-Step Guide

Your credit score affects your mortgage rate, car loan, apartment application, and sometimes even your job. Here's how to raise it quickly and keep it high.

Mar 23, 2026·7 min read

💰 Finance

How to Negotiate a Higher Salary (Scripts That Actually Work in 2026)

Most people leave $5,000–$20,000 on the table every time they accept a job offer without negotiating. Here's exactly what to say — and when to say it.

Mar 22, 2026·8 min read

💰 Finance

Index Funds vs ETFs: What's the Difference and Which Should You Buy?

Both track the same markets and charge similar fees — so why does the distinction matter? Here's everything a beginner needs to know before buying either.

Mar 21, 2026·6 min read

💰 Finance

How to Pay Off Debt Fast: Snowball vs Avalanche (And Which Actually Works)

Two proven strategies dominate debt payoff advice. Here's what the math says, what psychology says, and which method will actually get you to zero debt.

Mar 20, 2026·7 min read